January 2026 Newsletter- Interest Rate Adjustment
đź’ˇThis is a great mid-month shorter form newsletter
A quick market note as rates ease —
There really was no clear narrative for the real estate market in 2025— and that’s probably the most accurate way to describe it.
Some homes saw multiple offers and sold far above list. Others sat and adjusted. Both happened at the same time. The market wasn’t hot or cold — it was selective.
What is different right now are rates.
At this time last year, average rates were around 7.15%. Today, they’re closer to 5.85%, the lowest we’ve seen in roughly three years.
That change is not theoretical. Here's the math—
On a $600,000 purchase with 20% down:
• 7.15% = about $3,240/month (principal & interest)
• 5.85% = about $2,820/month
That’s roughly $420/month in payment relief, without any change in price.
It doesn’t fix affordability.
It does move the needle for a lot of buyers.
Nice to see a break here.
Looking forward to a steady, productive 2026 in the real estate market.
